Insurance Coverage


Blue Cross Blue Shield Federal Employee

Service Standard Option Basic Option
Physical Therapy 15% after deductible; up to 75 visits/year $30/$40 copay; up to 50 visits/year
Aquatic Therapy Covered as physical therapy
Acupuncture 15% after deductible; up to 24 visits/year $30/$40 copay; up to 12 visits/year
Cupping Therapy Not covered
Chiropractic Care 15% after deductible; up to 20 visits/year $35 copay; up to 20 visits/year

Independence Blue Cross Personal Choice

Service Coverage Referral Needed Notes
Physical Therapy Covered (limits apply) No Precertification may be required
Aquatic Therapy Covered as physical therapy No Same limits as PT
Acupuncture Covered for specific conditions Yes (for HMO/POS) Referral from PCP may be needed
Cupping Therapy Not covered N/A Considered experimental
Chiropractic Care Covered (limits apply) No Varies by plan

Coverage may vary by Gold, Silver, and Bronze plans. Contact IBX for full details.

Keystone 65

Service Coverage Copayment Notes
Physical Therapy Covered $20–$25 Medically necessary, in-network
Aquatic Therapy Covered as physical therapy $20–$25 Same conditions as PT
Acupuncture Covered for specific conditions Varies by plan Prior authorization may apply
Cupping Therapy Not covered N/A Experimental
Chiropractic Care Covered $20–$40 Medically necessary, in-network

Highmark Blue Cross Blue Shield

Service Coverage Visit Limits Copayment Range
Physical Therapy Covered when medically necessary Up to 30 $40–$80
Aquatic Therapy Included in PT Included $40–$80
Acupuncture Generally not covered N/A N/A
Cupping Therapy Not covered N/A N/A
Chiropractic Care Covered when medically necessary Up to 20 $20–$65

Blue Cross Blue Shield PPO (PA, NJ, DE)

Service PA NJ DE
Physical Therapy ~30 visits/year Limits vary ~30 visits/year
Aquatic Therapy Covered under PT
Acupuncture ~18 visits/year Covered for specific conditions Generally not covered
Cupping Therapy Not covered
Chiropractic Care ~20 visits/year Limits vary ~30 visits/year

Keystone HMO (PA)

  • Coverage: Covered if medically necessary and in-network
  • Visit Limits: ~20 visits/benefit period
  • Copayment: ~$50 per visit (e.g., Gold Classic plan)
  • Referral Requirement: Yes, via PCP

Car Insurance Coverage for Motor Vehicle Accidents

Treatment Pennsylvania New Jersey Delaware
Physical Therapy ✅ ✅ ✅
Aquatic Therapy ✅ ✅ ✅
Acupuncture ✅ ✅ ✅
Chiropractic Care ✅ ✅ ✅
Cupping Therapy ❌ ❌ ❌

Workers Compensation Coverage

Therapy Type PA NJ DE
Physical Therapy ✅ ✅ ✅
Aquatic Therapy ✅ ✅ ✅
Acupuncture ✅ Usually Covered ❌ Rarely Covered ✅
Cupping Case-by-case ❌ Usually Denied Case-by-case
Chiropractic Care ✅ ✅ ✅ Approved Plan

Not Accepted Insurances (Out-of-Network)

  • Keystone First
  • Medicaid
  • Health Partners
  • United Health Care Community Plan
  • Aetna Better Health
  • Aetna Medicare HMO
  • Humana
  • Cigna Health Spring